Charleston County property record for 654 Atlantic St, Mount Pleasant, SC 29464
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 792 sqft · built 1950 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,250,000 (Mar 2024) |
| Tax Bill | $11,597 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Oct 2022 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 532-06-00-117 |
| Primary APN | 532-06-00-117 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 792 sqft Living Area |
| Gross Area | 880 sqft |
| 1st Floor Area | 792 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 180 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|
| Street Address | 654 ATLANTIC ST |
|---|---|
| City | MOUNT PLEASANT |
| State | SC |
| Zip | 29464-4467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION NAME -MT PLEASANT HGTS DESCRIPTION -LT 75 |
| Legal Subdivision | MT PLEASANT HGTS |
| Legal Lot Number | 75 |
| Jurisdiction | CHARLESTON SC |
| Township / Civil Division | MOUNT PLEASANT |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 4701 |
654 Atlantic St is owned and occupied by two individuals who bought it in March 2024.
Source: Charleston County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 12, 2024 | Deed, Transfer · VA Mortgage FAIRWAY FUNDING GROUP INC |
| Oct 14, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST CAPITAL BANK |
| Jul 29, 2022 | Warranty Deed, Transfer |
| May 6, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage GAP CAPITAL LLC |
| Nov 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on File |
| Deed Sale | Mar 12, 2024 · Amount on File |
| Prior Sale | Jul 29, 2022 · Amount on File |
| Deed Book / Page | 1232 / 691 |
| Prior Transfer Date | Sep 2, 2020 |
| Prior Transfer Doc | 0931/0198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Mar 12, 2024 |
| Property Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Document Number | 0012320691 |
| Book / Page | 1232 / 691 |
| Map Reference | MB G PG 99-A |
| Instrument Date | Mar 7, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,450.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Document Number | 0001232693 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 1232/693 |
| Name | FAIRWAY FUNDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Property Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1469 SIMMONS ST, MOUNT PLEASANT, SC 29464-5070 |
| Document Number | 0011430473 |
|---|---|
| Date | Oct 14, 2022 |
| Book Page | 1143/473 |
| Name | FIRST CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29401 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Apr 11, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Jul 29, 2022 |
| Property Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Document Number | 0011270554 |
| Book / Page | 1127 / 554 |
| Map Reference | MB G PG 99-A |
| Instrument Date | Jul 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,353.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1469 SIMMONS ST, MOUNT PLEASANT, SC 29464-5070 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | May 6, 2022 |
| Property Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Document Number | 0011070091 |
| Book / Page | 1107 / 91 |
| Map Reference | MB G PG 99-A |
| Instrument Date | Apr 26, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,898.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 213 N PANDORA DR, GOOSE CREEK, SC 29445-3401 |
| Document Number | 0000110793 |
|---|---|
| Date | May 6, 2022 |
| Instrument | 1107/93 |
| Name | GAP CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLESTON SC |
| Recording Date | Nov 2, 2020 |
| Property Address | 654 ATLANTIC ST, MOUNT PLEASANT, SC 29464-4467 |
| Document Number | 0931/0198 |
| Book / Page | 000931 / 000198 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 ATLANTIC ST MOUNT PLEASANT SC 294644467, MOUNT PLEASANT, SC 29464-4467 |
The 2025 property tax bill for 654 Atlantic St was $11,597, down 13.3% from the year before.
Source: Charleston County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Charleston County |
| Municipality | Mount Pleasant Town |
| Unified School District | Charleston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,597.00 (-13.3%) | $3,235,000 (+8,836.46%) Land $905,000 Building $2,330,000 | $3,235,000 Land $905,000 Building $2,330,000 |
| 2024 | $13,376.00 | $36,200 | |
| 2022 | $4,228.00 | $17,970 | $499,600 Land $350,000 Building $149,600 |
| 2020 | $905,000 Land $905,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 654 Atlantic St in Zone X, an area of minimal flood risk, though there have been 120 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 101 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 101 in force |
| Nearby Flood Claims | 120 (1979–2017) |
| Claims Outside the SFHA | 21 of 120 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 654 Atlantic St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 98.6% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MT PLEASANT WATERWORKS serves 91,500 people · EPA ID SC1010002 |
|---|---|
| Water Source | Purchased surface water from CHARLESTON WATER SYSTEM |
| Last State Inspection | Dec 2022 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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